Employee Benefits

Distribution

AIA Retirement Saver (II)

Savings

Period

term

Issue Age

varies

Currency

S$

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WHAT THIS PRODUCT IS ABOUT

AIA Retirement Saver (II) is a savings plan that provides you with a guaranteed monthly income and a lump sum payout when you retire, so you can live life to the fullest in your golden years. With no medical checkup required, getting started is easy.

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what does it provide?

THE INCOME YOU NEED, EVERY MONTH

THE INCOME YOU NEED, EVERY MONTH

A guaranteed monthly income is key to the retirement lifestyle you dream of. You can also choose to receive your guaranteed monthly income over a period of either 15 or 20 years. Enjoy your life, the way you’ve always wanted to.

A GUARANTEED PAYOUT TO MAKE DREAMS COME TRUE

A GUARANTEED PAYOUT TO MAKE DREAMS COME TRUE

You’ll receive a guaranteed payout worth 24 times your monthly income at your choice of retirement age of 55, 60 or 65. Plus, your capital is guaranteed at retirement age, so rest easy and enjoy your retirement!

THE FLEXIBILITY TO CHOOSE WHAT’S RIGHT FOR YOU

THE FLEXIBILITY TO CHOOSE WHAT’S RIGHT FOR YOU

This plan gives you the flexibility to choose when you wish to receive your monthly income, how much you wish to receive and how long you want it to last for. It’s all about what’s right for you.

POTENTIAL GROWTH AND FUTURE RETURNS

POTENTIAL GROWTH AND FUTURE RETURNS

The plan provides an extra cushion against inflation. You could benefit from potential annual dividends right from the 1st policy year end. A potential one-off dividend may be payable when you choose to stop the policy, at the end of the policy or when you pass away.

CHOICE OF PREMIUM TERM

CHOICE OF PREMIUM TERM

If you are just starting out, you have the option to pay up to the age of 55, 60 or 65. If you are already established in your career, you can choose to pay over 5 or 10 years, or in one lump sum.

DO YOU WANT ADDITIONAL PEACE OF MIND?

Additional options are available for you to customise your cover to make sure it suits your individual needs.

CANCER RELIEF INCOME

Cancer Relief Income is an optional plan that supplements the AIA Retirement Saver (II) plan. It provides you with an additional monthly income even before you reach retirement in the event you’re diagnosed with a major cancer to help defray medical treatment fees. You can also use it to supplement the premium for AIA Retirement Saver (II), so your retirement plan is protected.

THE FINE PRINT

the terms and conditions at a glance

Annual dividend and terminal dividend (if any) are non-guaranteed and will depend on the performance of the participating fund. Once credited to the policy, annual dividends (if any) form part of the guaranteed benefits of the policy. Terminal dividend is a one-time, non-guaranteed, discretionary dividend that may be payable when you make a claim, choose to stop the policy or when the policy ends.

The capital guarantee only applies for AIA Retirement Saver (II) plans with premiums paid annually and doesn’t include adjustment for other premium paying modes.

Your choice of premium payment term to the age of 55, 60 or 65 will follow your chosen retirement age of 55, 60 or 65 respectively.

DETAILED TERMS AND CONDITIONS

EXCLUSIONS

Things that you won't be able to claim from this policy

There are certain conditions such as suicide within 1 year from the policy issue date or reactivated date (whichever is later), for which no benefits will be payable. Please refer to the policy contract for the full list of exclusions.

IMPORTANT NOTES

This is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under your policy may not be paid out, are specified in the relevant policy contracts. You are advised to read the policy contract.

Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost.